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Long Term Care Insurance

WAICU partners with The Coalition for College Cost Savings to utilize several of their cost-saving collaborative programs. The Long Term Care Insurance program is one of those affiliate programs.

AffinityLTC, The Coalition’s endorsed broker, has specialized in providing Long Term Care insurance solutions to private, non-profit, higher education for over 15 years. AffinityLTC first partnered with The Coalition in 2008 to offer John Hancock and then Genworth group LTCi products with unique benefits and limited underwriting to higher education clients and their families.

The Coalition is pleased to announce that AffinityLTC has a new group LTC offering available to Coalition members. This program is available to WAICU members due to WAICU’s membership in the Coalition.

Features include:

  • Allstate Benefits: A+ rated carrier.
  • Utilizes Life Insurance with a LTC rider which eliminates the “use it or lose it” drawback of a traditional LTC product.
  • Completely voluntary program for employees ages 18-80. Full-time and part-time/adjuncts working 20+ hours per week are eligible.
  • True Guarantee Issue with benefit up to $175,000 for employees ages 18-70. (Simplified Issue for ages 71-80).
  • Can be set up as direct billing or payroll deduction.
  • Easy turnkey enrollment – driven towards online employee assisted enrollment – no agent pressure.

AffinityLTC contact: For more information or to see what this would look like for your employees contact Amy Ewbank at or Julie Clevenger at

To contact WAICU about the program, email